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LIVING IN FRANCE

Five big challenges facing Emmanuel Macron in 2020

The French president has quite a to-do list lined up for 2020, here we look at five of the most challenging issues he faces.

Five big challenges facing Emmanuel Macron in 2020
French president Emmanuel Macron, looking resolute. Photo: AFP

We hope Emmanuel Macron had a relaxing Christmas, because he's going to need all his energy to deal with these.

1. Pension reform

As anyone with a passing interest in France will already know, mass transportation strikes have been gripping the country since December 5th.

READ ALSO Keep up to date with the latest news and analysis on French transportation strikes

Mass transportation strikes greeted the government's planned pension reforms. Photo: AFP

These strikes were called in protest at the government's plans for pension reform, so the top of the French president's list is ending the deadlock and bringing the strikes to an end.

This might be easier said than done, however, if the president is intent on pushing through his pension reforms, which he regards as key to his project of modernising France.

Talks between the government and the unions restart on January 7th, and already some concessions have been offered around early retirement for certain groups including ballet dancers and pilots as well as end-of-career options for certain professions including health workers.

As things stand, the pension reform bill will be presented to ministers on January 22nd and the French parliament will debate it in February.

Click here for a full breakdown of exactly what the reforms involve.

When and how the strikes will end is quite frankly anyone's guess.

Will Paris mayor Anne Hidalgo win another term to finish her cycle lanes? Photo: AFP

2. Municipal elections

These don't involve the president directly, the elections are local elections where people elect their local mayors and councils. However coming mid way through Macron's presidential term, the success or otherwise of his party La République en Marche (LREM) will be seen as an indicator of how popular or indeed unpopular the president is.

This is a particular problem for LREM which as a relatively newly formed party does not have strong local roots and will not be fielding candidates in all areas in the elections that will take place over two rounds of voting on March 15th and 22nd.

In Paris it is shaping up to be a tough fight for current Socialist mayor Anne Hidalgo who is going for another term on the platform of finishing her ambitious projects to make the city cleaner, greener and more car and pedestrian friendly in time for the Olympics in 2024.

She faces challenges from, among others, LREM candidate Benjamin Griveaux – a former government spokesman – and mathematician  Cedric Villani, who is standing as an independent after failing to win the LREM nomination.

In smaller towns and communes around the country elections for local mayors and councillors will also take place and – assuming Brexit happens on January 31st – will mark the end of public service for many British local officials, as Brits will not be allowed to stand for office once the UK has left the EU.

READ ALSO Brexit axe looms for British office-holders in France

3. The bioethics bill

A bill that, among other things, extends IVF treatment to single women and lesbian couples was passed by the French parliament in 2019, but in January it will arrive before the Senate, which tends to be more socially conservative.

Despite polls showing that a majority of French people support the move, the bill was marked by protests from religious and socially conservative groups.

IVF is known as PMA – Procréation Medicalément Assistée – in France. Photo: AFP 

4. Financial protections for the elderly

The issue of older people living in poverty was one that Macron promised to address in 2019, but the measures then became tangled up with his controversial pension reforms.  

Some measures such as full reimbursement for glasses, dental work and hearing aids will come in from January 1st, but the thrust of the issue remains unresolved.

The pension reforms contain a minimum monthly pension of €1,000 a month – tied to the minimum wage going forward – which would largely alleviate the problem. However even if Macron manages to get his reforms through they will not take full effect for several years and will not affect people who are already retired.

With anger growing about the problem he may have to take some form of temporary action in the meantime.

5. Public broadcasting reform

To be discussed by the French parliament in February this is more a structural change than an alteration to what we will see on our screens, but the idea of creating a holding company to oversee French state TV and radio services is still likely to stir controversy among politicians.

Macron has always pitched himself as a 'revolutionary' not a politician and is not interested in maintaining the status quo.

He seems to have fairly boundless energy too, and with a task list that this, he will certainly need it.

 

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PROPERTY

How to ensure your French property is insured for storm damage

Storm Ciaran’s property-wrecking passage through France - with another storm forecast for the weekend - may have many people wondering how comprehensive their insurance cover is. 

How to ensure your French property is insured for storm damage

In the wake of Storm Ciaran, thousands of property owners in France are preparing insurance claims – with initial estimates of the bill for damage between €370 million and €480 million.

Home insurance is compulsory in France, whether you own the property you live in or you rent – and it must include some level of storm damage cover. 

Check also to see if your insurance provides cover in case of a declaration of a catastrophe naturelle.

The garantie tempête (storm guarantee) covers damage caused by violent winds. What constitutes a ‘violent wind’ varies from contract to contract, but there appears to be a widespread consensus of agreement on wind speeds over 100km/h.

In most insurance contracts, this covers damage caused by the storm and within the following 48 hours – so you’re covered if, for example, a tree weakened by the storm comes down within that period and damages your property.

Be aware that, while the storm guarantee automatically covers the main property, it generally only covers any secondary buildings and light constructions – such as a veranda, shed, solar panels, swimming pool or fence – if they are specifically mentioned in the contract. 

The same is true of any cars damaged by debris. A basic insurance contract might not include storm damage, so it is always worth checking.

Damage must be reported to your insurer as quickly as possible. The deadline for making declarations is usually five days after any damage is noticed. This is especially important for second home owners, who may not be at the property when the damage occurs. 

In some cases – such as in the aftermath of Storm Ciaran – insurers may extend the reporting period. But under normal circumstances, it’s five days after the damage has been discovered.

What happens next

To make a claim, the first thing to do is contact your insurer by phone or email. Your insurer will take you through the next steps, but usually you have to send in a declaration – which should include an estimate of any losses and for any repairs, with evidence where possible, such as photographs and any receipts for purchases. 

Your insurer may also request proof of wind intensity, which can be provided for example by a nearby weather station.

The insurance company may appoint an expert to come and assess the damage, so make sure to keep damaged property safe until they arrive, as well as all invoices for any urgent repair work. 

What if you’re a tenant?

If you rent your property, you must report any damage inside the accommodation to your insurer and also notify your landlord so that they can file their own claim. 

In the case of a co-propriete, you must declare damage inside the accommodation to your insurer, while the trustee sends his own declaration to the collective insurance (which sometimes covers the private areas) .

How long does it take for claims to be settled?

Payment of the compensation provided for by the “storm guarantee” depends your home insurance contract. After the insurer has estimated the amount of damage, compensation is generally paid between 10 and 30 days following receipt of the insured’s agreement.

What if we got flooded?

In the case of flooding, you may have to wait for a natural disaster order to be issued. 

Catastrophe naturelle

The ‘state of natural disaster’ is a special procedure that was set up in 1982 so victims of exceptional natural events, such as storms, heavy rain, mudslides and flooding, as well as drought, can be adequately compensated for damage to property.

The government evaluates each area and deems whether it qualifies for the status of catastrophe naturelle (natural disaster). 

Essentially once a zone is declared a natural disaster, victims can claim from a pot of funds created by all insurers. If the zone is not declared a disaster, insurance companies are under no obligation to pay out. 

Under a “state of natural disaster” residents are covered for all those goods and property that are directly damaged by the phenomenon, in this case storms.

It applies to residential or commercial buildings, furniture, vehicles and work equipment that are already covered by insurance policies.

Homes must be already covered by a multi-risk insurance policy for the status of natural disaster to count.

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